TellerScore

Headquartered in Lame Deer, Montana, The Morning Star Federal Credit Union is a federal credit union with $2.2M in total assets and $1.8M in member shares and deposits as of Q2 2026.

Based on its Q2 2026 filing, The Morning Star Federal Credit Union scores 47/100, which we describe as below average. That is higher than only 7% of 2,479 credit unions with under $100 million in assets. Among 41 credit unions headquartered in Montana, it ranks 41st. Its strongest component is funding & liquidity (100/100; 18% loans-to-deposits, 0% uninsured), and its lowest is loan quality (0/100; 5.89%).

TellerScore · Q2 2026

Scorecard

Capital cushion49/100
Net worth ratio: 9.88%
Loan quality0/100
Loans 60+ days delinquent ÷ total loans: 5.89%
Earnings45/100
Return on assets (annualized): 0.63%
Funding & liquidity100/100
Loans ÷ shares: 17.9% · 0.0% uninsured
Problem-loan coverage82/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 8.90%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

From Q2 2025 to Q2 2026, the score rose 10 points (37 → 47), mostly because the earnings component improved by 45 points.

TellerScore
244974Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterTellerScore
Q2 202424
Q3 202474
Q4 202466
Q1 202535
Q2 202537
Q3 202532
Q4 202529
Q1 202640
Q2 202647
Net worth ratio
7.00%15.86%24.71%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterNet worth ratio
Q2 20247.11%
Q3 202424.71%
Q4 202413.12%
Q1 20258.93%
Q2 20259.61%
Q3 20258.50%
Q4 20257.16%
Q1 20268.39%
Q2 20269.88%
Delinquent loans (60+ days)
3.97%6.58%9.18%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterDelinquent loans (60+ days)
Q2 20245.80%
Q3 20245.82%
Q4 20249.18%
Q1 20253.97%
Q2 20254.39%
Q3 20258.39%
Q4 20258.94%
Q1 20269.17%
Q2 20265.89%
Return on assets
-10.73%7.70%26.13%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterReturn on assets
Q2 2024-4.21%
Q3 202426.13%
Q4 20247.64%
Q1 2025-10.73%
Q2 2025-5.64%
Q3 2025-3.59%
Q4 2025-1.97%
Q1 20260.42%
Q2 20260.63%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202647$2.2M9.88%5.89%0.63%17.9%
Q1 202640$2.5M8.39%9.17%0.42%15.2%
Q4 202529$2.9M7.16%8.94%-1.97%13.3%
Q3 202532$2.4M8.50%8.39%-3.59%21.1%
Q2 202537$2.2M9.61%4.39%-5.64%25.5%
Q1 202535$2.3M8.93%3.97%-10.73%22.0%
Q4 202466$2.0M13.12%9.18%7.64%27.1%
Q3 202474$2.2M24.71%5.82%26.13%25.7%
Q2 202424$1.2M7.11%5.80%-4.21%38.4%

2,479 peers · Under $100 million in assets

How it compares with peers

Percentile against credit unions of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio9.88%
16th
Problem loans5.89%
5th
Net charge-offs11.87%
0th
Return on assets0.63%
49th
Loans to deposits17.9%
96th
Uninsured deposits0.0%
81st
Loan-loss reserves0.00%
37th
Texas ratio8.9%
16th

Similar-size credit unions in Montana

InstitutionScoreAssetsCapitalProblem loansCompare
Tricounty Federal Credit UnionCredit union Harlowton, MT66 out of 100, Moderate$1.7M10.2%0.00%vs
Froid Federal Credit UnionCredit union Froid, MT86 out of 100, Very strong$1.3M12.0%0.00%vs
Northern Montana Hospital Federal Credit UnionCredit union Havre, MT73 out of 100, Strong$982K11.7%0.00%vs
M D U Employees Federal Credit UnionCredit union Glendive, MT84 out of 100, Strong$4.0M17.2%0.00%vs
St. Pats Employees Federal Credit UnionCredit union Missoula, MT77 out of 100, Strong$5.4M12.8%1.00%vs
Deer Lodge County School Emp Federal Credit UnionCredit union Anaconda, MT95 out of 100, Very strong$9.7M13.7%0.00%vs

Deposit insurance

Is my money safe at The Morning Star Federal Credit Union?

Yes. The Morning Star Federal Credit Union is a federally insured credit union (NCUA charter #24943). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.

An estimated 0.0% of shares and deposits ($0) are above the $250,000 NCUA insurance limit, close to the peer median of 1%. Insured balances are protected regardless of the score.

The net worth ratio is 9.88%, above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

Identity & history

Profile

Legal name
The Morning Star Federal Credit Union
Type
Federal credit union
NCUA charter #
24943
RSSD ID
5817454
Primary regulator
NCUA
Established
2022
Headquarters
PO Box 955, Lame Deer, MT 59043
Employees
3

Quick answers

The Morning Star Federal Credit Union: common questions

Is The Morning Star Federal Credit Union NCUA insured?

Yes. The Morning Star Federal Credit Union is a federally insured credit union (NCUA charter #24943). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.

What is The Morning Star Federal Credit Union's TellerScore?

47 out of 100 (Below average), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.